The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,104
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,293
−HK$193/mo
Today · 4.125%
HK$6,486
baseline
▲ 0.50% · 4.625%
HK$6,881
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,972/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,790
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,972
−HK$185/mo
Today · 4.125%
HK$7,157
baseline
▲ 0.50% · 4.625%
HK$7,534
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,314/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,324
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,552
−HK$232/mo
Today · 4.125%
HK$7,784
baseline
▲ 0.50% · 4.625%
HK$8,257
+HK$473/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,568/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,148
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,367
−HK$221/mo
Today · 4.125%
HK$8,588
baseline
▲ 0.50% · 4.625%
HK$9,041
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,176/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,545
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,811
−HK$270/mo
Today · 4.125%
HK$9,081
baseline
▲ 0.50% · 4.625%
HK$9,633
+HK$552/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,162/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,506
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,761
−HK$259/mo
Today · 4.125%
HK$10,020
baseline
▲ 0.50% · 4.625%
HK$10,548
+HK$528/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,040/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,987
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,328
−HK$347/mo
Today · 4.125%
HK$11,675
baseline
▲ 0.50% · 4.625%
HK$12,386
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,350/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,222
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,550
−HK$333/mo
Today · 4.125%
HK$12,883
baseline
▲ 0.50% · 4.625%
HK$13,562
+HK$679/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,766/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).